: While federal law requires one free report per year from each bureau, the three major bureaus currently allow you to check your reports once a week for free online.

: If you need to buy a report or resolve specific issues, contact Equifax, Experian, or TransUnion directly via their official portals.

: AnnualCreditReport.com is the only website authorized by the Federal Trade Commission (FTC) for these mandated free reports.

: Get immediate access to your reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com.

: Complete the official Annual Credit Report Request Form and mail it to the centralized processing service in Atlanta. Frequency and Availability

: You are entitled to additional free reports if you are unemployed and looking for work, receive public assistance, or have reason to believe your file contains inaccuracies due to fraud. Avoiding Scams

The primary authorized way to check your credit history for free in the United States is through the website AnnualCreditReport.com.

Learn about your credit report and how to get a copy | USAGov